Improving Household Balance Sheets

In 2008, Brandee McHale, the chief operating officer of
Citi Foundation, was having second thoughts. McHale, who is responsible
for developing the overall strategy, grantmaking, and
operations of the foundation—which supports financial programs
for low-income families—had begun to question the effectiveness
of some of the organization’s approaches. She and others at the
Citi Foundation, and in the nonprofit sector generally, were coming
to the conclusion that classroom-based educational...

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